You need health cover regardless of what you take two at a time - pills or stairs.
  • Tata AIG Wellsurance Executive Health Insurance Plan

    Tata Aig Health Insurance

    Wellsurance Executive is a combination of health insurance and wellness programme (offers discounts at select gyms, spas, skin care and weight management centers). The policy provides coverage for critical illnesses, hospitalisation and surgical expenses, cash benefit and recuperation benefit among others. The fixed benefit policy comes in three variants- Classic, Supreme and Elite. Classic is the lowest variant offering low sum insured.

    Features & Benefits of Tata AIG Wellsurance Executive:

    The salient features of the policy are listed in the table below

    Entry Age 18 to 65 years. This policy can be bought as an add-on to basic health insurance
    • Policy is life-long renewable, provided renewal premium has been received in full before the realisation of the premium.
    • The renewal premium for the policy will not change unless premium is revised and subsequently approved by IRDA.
    • Grace period of 30 days for renewing the policy.
    • Any claim during break-in period will not be payable
    • No additional loading on policy premium at renewal
    Policy Term 1 year
    Waiting Period
    • Survival period of 30 days for all critical ailment benefits
    • 90 day waiting period for critical ailment benefits
    • No waiting period for accident related hospitalization benefits
    • 120 day waiting period for major surgeries
    • Waiting period of 90 days for minor surgery benefits
    Payout Basis Fixed amount on the occurrence of a covered event
    Premium Payment Level and age band wise premium on an annual or monthly basis
    • Critical Illness benefits are available on diagnosis of specified ailments without hospitalisation of the insured. In case of hospitalisation, it can be converted into cashless claim facility.
    • Hospitalisation benefits including major and minor surgeries as per the limits specified
    • Hospital cash benefits are payable based on the number of days the insured is hospitalized.
    • Convalescence benefit is paid in lumpsum after every continuous hospitalisation of 5 days
    • Value added benefits include expert medical practitioners, personalized health tracker, exclusive wellness articles
    • Discounts on select gyms, spas and weights management centers
    • Discounts on select health check up packages at network hospitals
    Tax Benefits Get tax benefit for premium paid as per section 80D of the Income Tax Act
    • First 90 days of hospitalisation
    • Critical illness benefit not paid more than once
    • Hospitalisation outside India
    • Pre-existing diseases
    • Spondylitis treatment
    • Pregnancy and related conditions
    • Diseases existing at birth (congenital)
    • Non-allopathic treatments like Ayurveda, naturopathy or homeopathy
    • War, invasion and people serving in military or armed forces
    • Toxic or radioactive contamination
    • Injuries due to dangerous activity
    • Cosmetic surgeries
    • Obesity related treatments
    • Self-inflicted injuries
    • Cost of spectacles, hearing aids, crutches, and wheelchairs among others
    • Abuse of drugs, alcohol
    • HIV / AIDS and related conditions

    Some of the key benefits offered by the policy and its three variants are listed in the table below

    Benefits Classic Supreme Elite
    Diagnosed Critical Illness Rs. .3,00,000 Rs. 5,00,000 Rs. 7,50,000
    Hospitalisation Rs. 50 per day Rs. 1,000 per day Rs. 1,250 per day
    Minor Surgeries Rs. 10,000 Rs. 10,000 Rs. 15,000
    Major Surgeries Rs. 1,00,000 Rs. 1,50,000 Rs. 2,00,000
    ICU Benefit Rs. 3,000 per day Rs. 4,500 per day Rs. 6,000 per day
    Convalescence Benefit Rs. 1,500 Rs. 2,500 Rs. 4,000

    Other Health Insurance Plans from Tata AIG

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